866 Castlebay, Cincinnati, OH 45245 Property Records

Clermont County property record for 866 Castlebay, Cincinnati, OH 45245

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,192 sqft · built 1994
Lot Size	0.52 acres (22,651 sqft)
Owner	Individual Name on Record
Last Sale	$400,000 (Dec 2018)
Tax Bill	$8,486 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Dec 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`28-28-13G-168`

Property Details

APN / Parcel Number

Primary APN	`28-28-13G-168`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,192 sqft Living Area
1st Floor Area	995 sqft
Attic	Attic
Attic Area	288 sqft
Basement Area	732 sqft
Unfinished Basement	732 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Architectural Style	Colonial
Exterior Material	Brick
Construction Type	Brick
Lot Area	22,651 sqft (0.52 acres)
View / Lot	Cul-de-sac
Garage Area	471 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	90 sqft
Deck Area	216 sqft
Patio Area	496 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	866 CASTLEBAY
City	CINCINNATI
State	OH
Zip	45245-4906
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CASTLEBAY AT ROYAL OAK; LOT 19
Legal Subdivision	CASTLEBAY AT ROYAL OAK
Legal Lot Number	19
Jurisdiction	CLERMONT OH
Township / Civil Division	PIERCE
Census Block Group	1
Census Block	1001
Census Tract	41505

Owner

Source: Clermont County records, as of April 13, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	866 CASTLEBAY, CINCINNATI, OH 45245-4906
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUARDIAN SAVINGS BANK
Dec 27, 2018	Warranty Deed, Transfer · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 27, 2018 · Amount on Record
Deed Sale	Dec 27, 2018 · Amount on Record
Prior Sale	Jun 16, 2003 · Amount on Record
Deed Document Number	201828805
Deed Book / Page	2799 / 876
Prior Transfer Date	Apr 21, 2003
Prior Transfer Doc	0000044946
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLERMONT OH
Property Address	866 CASTLEBAY, CINCINNATI, OH 45245-4906
Transaction Type	Mortgage
Record Updated	Sep 21, 2021
Title Company	PROMINENT TITLE AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000029314
Date	Sep 9, 2021
Book Page	2893/5901
Instrument	202100029314

Lender

Name	GUARDIAN SAVINGS BANK
Type	Bank
Address	CINCINNATI, OH 45239

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 2036

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLERMONT OH
Recording Date	Dec 27, 2018
Property Address	866 CASTLEBAY, CINCINNATI, OH 45245-4906
Document Number	0000028805
Book / Page	002799 / 000876
Instrument Date	Dec 20, 2018
Instrument	28805
Transaction Type	Transfer
Record Updated	Jan 10, 2019
Title Company	AMERICAN HOMELAND TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,600.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	866 CASTLEBAY CINCINNATI OH 452454906, CINCINNATI, OH 45245-4906

Mortgage

Document Number	28806
Date	Dec 27, 2018
Book Page	002799/000878
Instrument	28806

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 26, 2048

Tax Assessment & Valuation

Source: Clermont County assessment roll, as of April 13, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Clermont County
County Subdivision	Pierce Township
Unified School District	West Clermont Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$8,486.00 (-44.34%)	$157,820 (-) Land $20,970 Building $136,850
2024			$450,900 (-) Land $59,900 Building $391,000
2023	$15,247.00 (+104.66%) Homeowner's exemption	$157,820 (+24.63%) Land $20,970 Building $136,850	$450,900 (+24.63%) Land $59,900 Building $391,000
2022	$7,450.00 Homeowner's exemption	$126,630 Land $16,800 Building $109,830
2020			$361,800 Land $48,000 Building $313,800

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective February 6, 2010 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 64% of Ohio
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CLERMONT PUBLIC WATER SYSTEM private · serves 133,059 people · EPA ID OH1302212
Water Source	Surface water
Last State Inspection	Mar 2025
Lead	2 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Oct 2018
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 91 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: altafiber Network Solutions, T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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